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Giblet's debt free journey

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Comments

  • Thanks guys - really kind and wise words. You are all awesome!

    Well dad is now home, but needs to have lots more investigations. Rest, rest and more rest is the plan.

    MSEing is a bit of a disaster tbh. Lots of brews and convenience foods purchased; top up shops due to time constraints (and general exhaustion) but at the end of the day, I'm lucky enough to have a bit saved for emergencies, and am hoping that now things are calming down again (fingers crossed) that I can refocus.

    My list of things that need doing urgently;

    Food plan (trying to go gluten free / lactose free to see if it helps). Big shop to facilitate this!

    Finish painting the living room

    Get some building work finished in the dining room (must be done before any more can be done in there)

    Tax return (yes I know....) but this involves sorting through to find the paperwork that was 'lost' in the emergency move :(

    There is loads more, including tons of work, but I'm pacing myself...

    Hope everyone else is doing well. Must dash off to work now - already late, lol x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Gib as long as you are not being silly, just put the MSE stuff to the side for now. Do what needs done and you can get back on track when things even out.

    Just one thing though: GET THE TAX RETURN DONE. Find the paperwork and do it. You know it's important. You don't want to be rushing at the last minute and end up with a fine. Rushing and a fine are stressful.

    I brought cakes today. Help yourself :D
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Cakes.....did someone mention cakes?


    DM
    x
    I feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)
  • misstara
    misstara Posts: 4,026 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Glad to hear your dad is back home.
    Mortgage 26.4.25 - £108,500  1.9.25 - £105,664.31
    Mortgage overpayment savings - £16.08/£50
    Mortgage overpayments so far - £800.96
  • Phew! Good news on dad :D

    As GAP says, put the MSE/diet etc to the side. Time constraints, exhaustion and worry all put paid to that side of your brain when things like this happen. Keep plodding, keep a good track of your spending, and think about a fresh start in the New Year. Nice to make a clean even start.. :)

    Hugs!!

    P.S GAP I brought cakes to my office today because we have had a bad week. It was such a cheery happy good mood bringer :D

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • I agree with the others but you're not allowed cake until you tackle the tax return.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • Yeah gib. Get tax return done then have as much cake as you can cram in x
    I want to be a writer
  • I wish I had a car. I would dot around the country doing tax returns for people. I love those things :D I do our company reporting to the Financial Conduct Authority. My calculations could shut us down :rotfl: nothing like a bit of pressure to focus the mind.

    Tell you what Gib, box up all your receipts and I will do it :D meanwhile you eat cake ;)

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • Wow...that sounds awesome lilt. Wish you could.

    Would have to find the receipts first tho.....lol

    Hope everyone is well; just checking in, but will be back properly soon x
    Debt remaining: :(
    Mortgage - £117,759 (£134,600, Nov 2013)

    Work overpayment and home improvement loan paid back (£19200) :beer:


  • (((((((((((Hugs)))))))))))

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
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